2022 NTCA GHP Choice Guide GROUP HEALTH PROGRAM - The Rural Broadband Association
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2022 NTCA GHP Choice Guide GROUP HEALTH PROGRAM
A Message from the NTCA GHP Trust Committee
Knowing we have excellent health care coverage that protects the health and safety of ourselves and those we love has never
been more important. In reflecting on the last year, we have strengthened our resolve to ensure NTCA–The Rural Broadband
Association members have access to a variety of GHP plans and coverage options so you can choose the right lineup of
benefits for your employees at the right cost for your company.
Although our meetings may have looked different, the GHP Trust Committee’s commitment to listen to your feedback and
respond with solutions to meet your diverse needs and budgets has not changed. For 2022, our focus is on supporting employee
well-being, and we will be introducing several new services and enhancements to the GHP Wellness Connections plan.
Choosing a benefits package is an important decision, and NTCA GHP offers tools, resources and personalized consultations to
help you successfully navigate and select your options. Although we are not making significant changes to GHP benefit offerings
for 2022, we encourage all members to take this opportunity to review your current coverage options as you ask the question,
“What mix of benefits and services will ensure my employees feel safe, secure and protected?”
We are pleased to support the health and wellness of NTCA members and your employees, and look forward to providing your
GHP benefits in 2022.
GHP Trust Committee Members
TOP Cheryl Rue Toney Prather Karl Blake
ROW Tri-County Communications Chair Polar Communications
Coop. Inc. Totelcom Communications, LLC Park River, North Dakota
Strum, Wisconsin De Leon, Texas
MIDDLE Russell Kacer Kristi Westbrock Becky Dooley
ROW Ganado Telephone Co., Inc. dba Vice Chair Range
YK Communications Consolidated Telecommunications Co. Worland, Wyoming
Ganado, Texas Brainerd, Minnesota
BOTTOM Jeff T. Wilson Mark Harvey
ROW West Carolina Rural Mi-Fiber, LLC, a subsidiary of GRM
Telephone Cooperative Networks
Abbeville, South Carolina Urbandale, Iowa
2 2022 GHP CHOICE GUIDE
What’s New for 2022?
Updated Medical Plan Names Real Appeal® Weight Management Program
We are changing some of the medical plan names to better GHP is adding Real Appeal, a free and convenient virtual
reflect plan differences and make it easier for participants to weight-loss program. Real Appeal supports weight management
recognize their medical coverage election. The following table for covered employees by delivering interactive videos, online group
shows the new names. discussions and personalized coaching. All members enrolled in
GHP medical coverage will have access to this new service for
their plan participants.
Group Health Program Medical Plan Name Changes
Participating employees and spouses in the GHP Wellness
Current Name New Name Connections plan have an added benefit from the Real Appeal
weight management program. They can earn $150 toward their
total incentive.
Preferred Provider Organization (PPO) Plans
Triple AAA PPO Diamond PPO Weight Loss Medications
Weight loss medications will be eligible through Express Scripts
Platinum PPO Platinum PPO (no change)
when prescribed by a physician and prior authorization criteria is
Gold PPO Gold PPO (no change) met. Providers may contact Express Scripts to initiate the prior
authorization process by calling (844) 374-7377 or by using the
Silver PPO Silver PPO (no change) ExpressPAth® provider portal.
Bronze PPO Bronze PPO (no change)
Fitness On Demand™
Advantage Plans Fitness On Demand will become available this summer for
members enrolled in the GHP Wellness Connections plan.
Triple AAA AAA Advantage This program gives wellness plan participants access to
Double AA AA Advantage on-demand virtual exercise classes to help them on their road
to wellness.
Single A A Advantage
High-Deductible Health Plans (HDHPs)
QUESTIONS?
HDHP Triple AAA PPO Preferred HDHP Contact your NTCA member relations manager using the
information found at www.ntca.org/MemberRelations, or email
HDHP Single A Select HDHP ghpchoice@ntca.org. Benefits resource specialists are also
available at (828) 281-9000.
The name changes do not impact the way the plan works or
the coverage levels. Plan participants will start seeing the new
medical plan names in the fall of 2021.
GROUP HEALTH PROGRAM 3
GHP Choice Health Care Plans
Medical
Preferred Provider Organization (PPO) Plans
GHP is offering 10 medical plan options in 2022.
You can choose to offer up to five different medical
Diamond Platinum Gold Silver Bronze
plans and an accompanying prescription drug plan
PPO PPO PPO PPO PPO
to your employees, directors and retirees. Offering
a variety of medical plans and giving participants
options between levels of coverage and cost-sharing Advantage Plans
allows each participant to make the best choice for
his/her individual health care needs. AAA AA A
Advantage Advantage Advantage
Note: All GHP medical plans cover 100% of
eligible in-network preventive care expenses.
High-Deductible Health Plans (HDHPs)
The plans vary on annual deductibles, co-pays,
coinsurance and specific benefit payments.
Refer to the Medical Benefits At-a-Glance tables Preferred HDHP Select HDHP
beginning on page 6 for more information.
You also have the option to include vision and
dental coverage for your employees and WHY CONSIDER THE HDHP AND HSA? An HDHP could be a great option
their dependents. for participants who expect to have little to no health care expenses beyond
their routine preventive care, but want protection in case of an unexpected
REMINDER: If you do not make an election, medical event. These affordable plans have lower monthly premiums, but
your current GHP medical plans, with updated higher deductibles and are also Health Savings Account (HSA) compatible.
names if applicable, will continue in 2022.
WHAT’S AN HSA? This is a medical savings account where individuals can
put tax-free money to help pay for eligible out-of-pocket medical expenses
IMPORTANT! We are still offering the same great
now or in the future—even expenses that occur during retirement.
plans, but with a few new names.
The Advantage of Pretax Accounts Health Care Savings—For Your Company and Employees
Pretax accounts are like “bank accounts” One way to save on health care expenses—for both your company and
for health care expenses. By offering your participants—is to promote the use of providers and facilities in the
employees the option to participate in a pretax UnitedHealthcare Choice Plus network. It helps contain future costs for
account, you are providing them with a great NTCA GHP members, and participants pay less per visit when receiving care.
opportunity to pay for their health care expenses It’s easy to determine if a provider is in-network:
(including health plan premiums) with pretax
dollars. There is no tax when the money goes in,
or when it is used to help pay for eligible expenses. Ask the provider if they are contracted in the UnitedHealthcare Choice
When participants enroll in an HSA and contribute Plus network. Participants should be specific about the “Choice Plus” network
pretax dollars, they lower their taxable income, as there are many different UnitedHealthcare networks.
giving them more take-home pay.
Use the online provider directory at www.ntca.org/UnitedHealthcare.
There are two pretax accounts available—the
Participants can use this directory to look up medical providers and behavioral
Health Savings Account (HSA), which is compatible
health providers, and can search by people, places, services and treatments or
with the high-deductible health plans (HDHP),
care by condition.
and the Flexible Spending Account (FSA).
Call the provider search telephone line at (800) 860-5203. Participants
should refer to their member ID and group numbers found on the GHP ID card
and get a call reference number when confirming network providers.
4 2022 GHP CHOICE GUIDE
GHP Wellness Connections
GHP is dedicated to helping your company, your employees
Reward
and their families improve and maintain their overall wellness.
Wellness Action (up to $150
GHP Wellness Connections is a workplace wellness plan per year)
designed specifically for NTCA GHP members to help
motivate your employees and their spouses to take an Get an annual preventive exam, including a biometric
active approach to health and wellness—and earn rewards screening performed either at the provider’s office or $75
while doing so. To start GHP Wellness Connections at your at home using the Quest self-collection kit
company on January 1, 2022, all you need to do is:
Complete at least three Rally™ missions or a Rally
Coach Program
$75
• Offer a GHP medical plan.
• Complete a GHP Wellness Connections Adoption NEW! Participate in the Real Appeal Weight
$150
Agreement Addendum. Management Program
• Designate a wellness coordinator to promote wellness
within your organization.
FOR MORE INFORMATION ABOUT GHP WELLNESS CONNECTIONS:
• Host at least two wellness activities each year.
Email wellnessconnections@ntca.org or contact your member
• Fund rewards for participants who complete and relations manager.
document specific activities.
GHP Medical Plan Rate Differential
If you participate in the GHP Wellness Connections plan in 2022,
you will be eligible for a reduced medical plan rate for each employee
and/or spouse who earns the full GHP Wellness Connections reward
in 2022. This reduction will be applied to your 2023 GHP medical plan
billing. All you need to do is:
1. Participate in GHP Wellness Connections during 2022, meet
the requirements described in your GHP Wellness Connections
Addendum and continue participation in 2023.
2. Have at least one employee or spouse complete the applicable
activity(ies) by November 30, 2022, and earn the full GHP Wellness
Connections reward.
More details will be provided to members when medical plan rates are
announced in September.
IT’S EASY TO GET HEALTHY WHILE
BEING REWARDED, AND GHP HELPS Well-Being Support Programs
FUND REWARDS! NEW! Real Appeal: Weight Management Program
Employees and/or spouses enrolled in a GHP medical Real Appeal is a weight management program for all members. Starting
plan can participate in health missions, earn rewards January 2022, this program provides participants with all they need
(up to $150) and receive personalized wellness to achieve their weight-loss goals—24/7 support and guidance from
recommendations through the GHP Wellness Connections weight-loss coaches, small doable steps to take every day, a kick-starter
portal, powered by Rally™. The wellness portal is available weight management success kit and motivational resources.
at www.ntca.org/GHPWellnessConnections or as a
free app on a mobile device. NEW! Fitness On Demand
Fitness on Demand will become available this summer for members
We are committed to supporting your efforts in enrolled in the GHP Wellness Connections plan. This platform gives
encouraging health and wellness, so GHP will fund 50% participants access to a variety of at-home fitness classes and
of the cost of rewards earned by employees and/or their exercises—all available virtually and on-demand.
spouses in the first year.
Livongo: Diabetes and Hypertension Management
NTCA GHP offers support with management of diabetes and
hypertension at no cost with Livongo. The service provides virtual
IMPORTANT! To earn GHP Wellness Connections coaching, unlimited test strips, a smart glucose meter and blood
rewards in a specific year, employees and/or their pressure monitor that connect real-time to Livongo. Please note that
spouses must complete all wellness activities and this program is not available to participants enrolled in our Medicare
submit documentation by November 30. Part D Prescription Plan. Contact your member relations manager for
additional information.
GROUP HEALTH PROGRAM 5
MEDICAL BENEFITS AT-A-GLANCE
PPO PLANS
Additional Information Diamond PPO Platinum PPO Gold PPO Silver PPO Bronze PPO
(Refer to GHP Specifications
for Specific Limits)* Out-of- Out-of- Out-of- Out-of- Out-of-
In-Network In-Network In-Network In-Network In-Network
Network Network Network Network Network
KEY FEATURES Maximizes benefits when using in-network providers • No in-network deductible (except in the Silver PPO and Bronze PPO Plans) • Co-pay for office visits
United- United- United- United- United-
NETWORK Healthcare N/A Healthcare N/A Healthcare N/A Healthcare N/A Healthcare N/A
Choice Plus Choice Plus Choice Plus Choice Plus Choice Plus
$200 $500 $500 $1,000 $3,000 $6,300 $10,000
per per per per per per per
Deductible $0 individual $0 individual $0 individual individual individual individual individual
$400 $1,500 $1,500 $2,000 $5,000 $12,600 $20,000
per family per family per family per family per family per family per family
$2,500 $2,000 $3,000 $2,000 $3,000 $2,500 $5,000 $10,000
per per per per per per per per
Coinsurance Does not include deductible or individual individual individual individual individual individual individual individual
N/A N/A
Out-of-Pocket Maximum co-payments
$5,000 $6,000 $9,000 $6,000 $9,000 $6,500 $10,000 $20,000
per family per family per family per family per family per family per family per family
Unlimited for Unlimited for Unlimited for Unlimited for Unlimited for
Benefit Maximum
essential benefits essential benefits essential benefits essential benefits essential benefits
UCR may apply to 70% after 70% after 60% after 60% after 50% after
Preventive Care** 100% 100% 100% 100% 100%
out-of-network benefits deductible deductible deductible deductible deductible
100% 100%
100% 100% after $35 after $40
after $25 after $30 co-pay co-pay
co-pay co-pay per visit per visit
per visit per visit Non- Non-
100% Non- Non- preventive preventive
Office Visits*** 70% 70% 60% 60% 50%
UCR may apply to after $20 preventive preventive treatment treatment
(Including Mental Health after after after after after
out-of-network benefits co-pay treatment treatment received received
and Substance Abuse) deductible deductible deductible deductible deductible
per visit received received during during
during during office visit office visit
office visit office visit subject to subject to
subject to subject to deductible deductible
coinsurance coinsurance and and
coinsurance coinsurance
Maximum charge may apply
to out-of-network benefits
Hospital Benefits 70% after 70% after 60% after 80% after 60% after 100% after 50% after
100% 90% 80%
and Inpatient Surgery Semi-private room rate deductible deductible deductible deductible deductible deductible deductible
Subject to medical review
Maximum charge may apply to 70% after 70% after 60% after 80% after 60% after 100% after 50% after
Outpatient Surgery 100% 90% 80%
out-of-network benefits deductible deductible deductible deductible deductible deductible deductible
Diagnostic X-ray,
Anesthesiology and Lab
Services UCR may apply to 70% after 70% after 60% after 80% after 60% after 100% after 50% after
100% 90% 80%
Out-of-Network Radiology, out-of-network benefits deductible deductible deductible deductible deductible deductible deductible
Anesthesiology and Pathology
Specialist Services****
Contract allowable or 100% after $50
Emergency Services 90% 80% 80% after deductible 100% after deductible
billed charge may apply co-pay per visit
Contract allowable or 100% after $40 100% after $50 100% after $60 100% after $70 100% after $80
Urgent Care Centers
billed charge may apply co-pay per visit co-pay per visit co-pay per visit co-pay per visit co-pay per visit
* All inpatient and certain outpatient services are subject to advance medical review. Refer to the GHP
Specifications and Summary Plan Descriptions for additional detail.
** Preventive care includes well-baby/child visits, screenings, immunizations, routine physicals and TERMS USED IN THIS TABLE:
other age and gender appropriate preventive services. Maximum Charge: For non-emergency treatment at a hospital, 200% of the
*** Office visit co-pays on PPO plans do not include chiropractic or physical therapy services. Medicare allowable rate or 50% of billed charges.
**** Out-of-network radiology, anesthesiology, pathology (RAP) specialist services, hospitalist and
Usual, Customary and Reasonable (UCR): The usual amount paid for a specific
neuromonitoring providers are considered in-network when provided at an in-network facility.
health care service or supply. The definition of UCR for non-facility services for
Due to the 2022 GHP Choice Guide publication date, certain benefit provisions outlined out-of-network non-emergency treatment will be either: (1) the Negotiated Rate;
in the Medical Benefits At-a-Glance table may be subject to change. or (2) if there is no Negotiated Rate, 200% of the Medicare allowable rate or if there
is no Medicare rate published by CMS, then the 70th percentile of the applicable rate
published in the FAIR Health national database.
Contract Allowable: GHP’s negotiated rate.
6 2022 GHP CHOICE GUIDE
MEDICAL BENEFITS AT-A-GLANCE
PPO PLANS
Additional Information Diamond PPO Platinum PPO Gold PPO Silver PPO Bronze PPO
(Refer to GHP Specifications
for Specific Limits)* Out-of- Out-of- Out-of- Out-of- Out-of-
In-Network In-Network In-Network In-Network In-Network
Network Network Network Network Network
United- United- United- United- United-
NETWORK Healthcare N/A Healthcare N/A Healthcare N/A Healthcare N/A Healthcare N/A
Choice Plus Choice Plus Choice Plus Choice Plus Choice Plus
UCR may apply to 70% after 70% after 60% after 80% after 60% after 100% after 50% after
Other Major Medical** 100% 90% 80%
out-of-network benefits deductible deductible deductible deductible deductible deductible deductible
Mental Health and Maximum charge may apply
Substance to out-of-network benefits
Abuse Inpatient
70% after 70% after 60% after 80% after 60% after 100% after 50% after
Out-of-Network Radiology, Semi-private room rate 100% 90% 80%
deductible deductible deductible deductible deductible deductible deductible
Anesthesiology and
Pathology Specialist
Services*** Subject to medical review
Mental Health and
UCR may apply to 70% after 70% after 60% after 80% after 60% after 100% after 50% after
Substance Abuse 100% 90% 80%
out-of-network benefits deductible deductible deductible deductible deductible deductible deductible
Outpatient
Maximum $50 payment per
70% after 70% after 60% after 80% after 60% after 100% after 50% after
Chiropractic**** visit, 1 visit per day, 30 visits 100% 90% 80%
deductible deductible deductible deductible deductible deductible deductible
per calendar year
UCR may apply to
out-of-network benefits 70% after 70% after 60% after 80% after 60% after 100% after 50% after
Physical Therapy**** 100% 90% 80%
deductible deductible deductible deductible deductible deductible deductible
Subject to medical review
Maximum $50 payment per
visit, 20 visits and $1,000
70% after 70% after 60% after 80% after 60% after 100% after 50% after
Acupuncture per calendar year; limited to 100% 90% 80%
deductible deductible deductible deductible deductible deductible deductible
treatment of an injury or
illness covered by GHP
Maximum of 3 hearing aid
devices every 4 years, not to 100%, not to exceed a 90%, not to exceed a 80%, not to exceed a 80% after deductible, 100% after deductible,
Hearing Aids exceed total maximum maximum payment of maximum payment of maximum payment of not to exceed a maximum not to exceed a maximum
payment as described under $6,250 $5,625 $5,000 payment of $5,000 payment of $6,250
each medical plan
UCR may apply
Vision Exam Maximum $100 payment and 100% after deductible 70% after deductible 60% after deductible 60% after deductible 100% after deductible
GHP Medical***** 1 routine exam per calendar
year; the $100 limit does not
apply to anyone under age 19
1 routine exam
Vision Exam VSP***** 100% N/A 100% N/A 100% N/A 100% N/A 100% N/A
per calendar year
UCR may apply to
out-of-network benefits
Eyeglass Lenses and 100% after deductible, 70% after deductible, 60% after deductible, 60% after deductible, 100% after deductible,
Frames or Contacts not to exceed a maximum not to exceed a maximum not to exceed a maximum not to exceed a maximum not to exceed a maximum
For eyeglass lenses, the
GHP Medical***** payment of $187.50 payment of $150.00 payment of $150.00 payment of $150.00 payment of $187.50
maximum benefit does not
apply to anyone under age 19
$140 frame allowance plus $140 frame allowance plus $140 frame allowance plus $140 frame allowance plus $140 frame allowance plus
$0 co-pay for single vision, $0 co-pay for single vision, $0 co-pay for single vision, $0 co-pay for single vision, $0 co-pay for single vision,
Eyeglass Lenses and lined bifocal or lined bifocal or lined bifocal or lined bifocal or lined bifocal or
Frames or Contacts lined trifocal lenses lined trifocal lenses lined trifocal lenses lined trifocal lenses lined trifocal lenses
VSP***** OR OR OR OR OR
$150 allowance for contacts $150 allowance for contacts $150 allowance for contacts $150 allowance for contacts $150 allowance for contacts
and contact lens exam and contact lens exam and contact lens exam and contact lens exam and contact lens exam
1 procedure per eye per lifetime,
100%, not to exceed a 90%, not to exceed a 80%, not to exceed a 80% after deductible, 100% after deductible,
not to exceed total maximum
Vision Surgery maximum payment of maximum payment of maximum payment of not to exceed a maximum not to exceed a maximum
payment as described under
$937.50 $843.75 $750.00 payment of $750.00 payment of $937.50
each medical plan
* All inpatient and certain outpatient services are subject to advance medical review. Refer to the GHP Specifications and Summary Plan Descriptions for additional detail.
** Certain limited benefits have specific payment limitations.
*** Out-of-network radiology, anesthesiology, pathology (RAP) specialist services, hospitalist and neuromonitoring providers are considered in-network when provided at an in-network facility.
**** Office visit co-pays on PPO plans do not include chiropractic or physical therapy services.
***** Routine vision benefits are available if the member company has adopted vision coverage.
GROUP HEALTH PROGRAM 7
MEDICAL BENEFITS AT-A-GLANCE
ADVANTAGE PLANS
Additional Information
(Refer to GHP Specifications AAA Advantage AA Advantage A Advantage
for Specific Limits)*
Fee-for-service plans (i.e., “indemnity plans”) • Different deductibles, coinsurance levels and out-of-pocket maximums for each plan • Flexibility for participant to
KEY FEATURES
visit any doctor or hospital, but lower out-of-pocket costs when using in-network providers • Plan deductible applies for most services before benefits are paid
NETWORK UnitedHealthcare Choice Plus UnitedHealthcare Choice Plus UnitedHealthcare Choice Plus
$300 per individual / $600 per family
$200 per individual / $400 per family $300 per individual / $600 per family OR
OR OR $500 per individual / $1,000 per family
$300 per individual / $600 per family $500 per individual / $1,000 per family OR
Deductible OR OR $750 per individual / $1,500 per family
$500 per individual / $1,000 per family $750 per individual / $1,500 per family OR
OR OR $1,000 per individual / $2,000 per family
$750 per individual / $1,500 per family $1,000 per individual / $2,000 per family OR
$2,000 per individual / $4,000 per family
Coinsurance $1,500 per individual $2,500 per individual $4,000 per individual
Does not include deductible
Out-of-Pocket Maximum $3,000 per family $5,000 per family $8,000 per family
Benefit Maximum Unlimited for essential benefits Unlimited for essential benefits Unlimited for essential benefits
Preventive Care** UCR may apply 100% 100% 100%
Office Visits
(Including Mental Health UCR may apply 80% after deductible 80% after deductible 80% after deductible
and Substance Abuse)
Contract allowable or
maximum charge may apply
100% after deductible
Hospital Benefits
100% 80% after deductible for physician 80% after deductible
and Inpatient Surgery Semi-private room rate
and all other inpatient costs
Subject to medical review
Contract allowable or
Outpatient Surgery 100% 100% after deductible 100% after deductible
maximum charge may apply
Diagnostic X-ray,
Anesthesiology and UCR may apply 100% 80% after deductible 80% after deductible
Lab Services
Contract allowable or
Emergency Services 100% after deductible 100% after deductible 80% after deductible
billed charge may apply
Contract allowable or
Urgent Care Centers 100% after deductible 100% after deductible 80% after deductible
billed charge may apply
* All inpatient and certain outpatient services are subject to advance medical review. Refer to the GHP Specifications and Summary Plan Descriptions for additional detail.
** Preventive care includes well-baby/child visits, screenings, immunizations, routine physicals and other age and gender appropriate preventive services.
Due to the 2022 GHP Choice Guide publication date, certain benefit provisions outlined in the Medical Benefits At-a-Glance table are subject to change.
TERMS USED IN THIS TABLE:
Maximum Charge: For non-emergency treatment at a hospital, 200% of Medicare allowable rate or 50% of billed charges.
Usual, Customary and Reasonable (UCR): The usual amount paid for a specific health care service or supply. The definition of UCR for non-facility services for out-of-network
non-emergency treatment will be either: (1) the Negotiated Rate; or (2) if there is no Negotiated Rate, 200% of the Medicare allowable rate or if there is no Medicare rate published by
CMS, then the 70th percentile of the applicable rate published in the FAIR Health national database.
Contract Allowable: GHP’s negotiated rate.
8 2022 GHP CHOICE GUIDE
MEDICAL BENEFITS AT-A-GLANCE
ADVANTAGE PLANS
Additional Information
(Refer to GHP Specifications for AAA Advantage AA Advantage A Advantage
Specific Limits)*
NETWORK UnitedHealthcare Choice Plus UnitedHealthcare Choice Plus UnitedHealthcare Choice Plus
Other Major Medical** UCR may apply 80% after deductible 80% after deductible 80% after deductible
Contract allowable or
maximum charge may apply
Mental Health and 100% after deductible
Substance Abuse Semi-private room rate 100% 80% after deductible for physician 80% after deductible
Inpatient and all other inpatient costs
Subject to medical review
Mental Health and
UCR, contract allowable or
Substance 80% after deductible 80% after deductible 80% after deductible
maximum charge may apply
Abuse Outpatient
Maximum $50 payment per visit,
Chiropractic 1 visit per day, 30 visits 80% after deductible 80% after deductible 80% after deductible
per calendar year
UCR may apply
Physical Therapy 80% after deductible 80% after deductible 80% after deductible
Subject to medical review
Maximum $50 payment per visit,
20 visits and $1,000 per calendar
Acupuncture 80% after deductible 80% after deductible 80% after deductible
year; limited to treatment of an
injury or illness covered by GHP
Maximum of 3 hearing aid devices
100% after deductible, 80% after deductible, 80% after deductible,
every 4 years, not to exceed total
Hearing Aids not to exceed a maximum not to exceed a maximum not to exceed a maximum
maximum payment as described
payment of $6,250 payment of $5,000 payment of $5,000
under each medical plan
UCR may apply
Vision Exam GHP Maximum $100 payment and 1 80% after deductible 80% after deductible 80% after deductible
Medical*** routine exam per calendar year;
the $100 limit does not apply to
anyone under age 19
Vision Exam VSP*** 1 routine exam per calendar year 100% 100% 100%
UCR may apply
Eyeglass Lenses and
80% after deductible, not to exceed a 80% after deductible, not to exceed a 80% after deductible, not to exceed a
Frames or Contacts For eyeglass lenses, the maximum maximum payment of $150.00 maximum payment of $150.00 maximum payment of $150.00
GHP Medical*** charge does not apply to anyone
under age 19
$140 frame allowance plus $140 frame allowance plus $140 frame allowance plus
$0 co-pay for single vision, $0 co-pay for single vision, $0 co-pay for single vision,
Eyeglass Lenses and
lined bifocal or lined trifocal lenses lined bifocal or lined trifocal lenses lined bifocal or lined trifocal lenses
Frames or Contacts
OR OR OR
VSP*** $150 allowance for contacts $150 allowance for contacts $150 allowance for contacts
and contact lens exam and contact lens exam and contact lens exam
Contract allowable or
maximum charge may apply
1 procedure per eye per lifetime, 80% after deductible, not to exceed a 80% after deductible, not to exceed a 80% after deductible, not to exceed a
Vision Surgery
not to exceed total maximum maximum payment of $750.00 maximum payment of $750.00 maximum payment of $750.00
payment as described under
each medical plan
* All inpatient and certain outpatient services are subject to advance medical review. Refer to the GHP Specifications and Summary Plan Descriptions for additional detail.
** Certain limited benefits have specific payment limitations.
*** Routine vision benefits are available if the member company has adopted vision coverage.
GROUP HEALTH PROGRAM 9MEDICAL BENEFITS AT-A-GLANCE
HIGH-DEDUCTIBLE HEALTH PLANS
Preferred HDHP
Additional Information
Select HDHP
(Refer to GHP Specifications for Specific Limits)*
In-Network Out-of-Network
Different deductibles, coinsurance levels and out-of-pocket maximums for each plan • Full price of prescription drugs paid by participant until deductible is met • Preventive
KEY FEATURES prescriptions are not subject to a deductible • Health Savings Account (HSA) compatible • Participants may open and contribute to an HSA to help pay for eligible health care expenses
(Medicare-eligible retirees are not eligible to contribute to an HSA)
NETWORK UnitedHealthcare Choice Plus N/A UnitedHealthcare Choice Plus
$3,500 per individual $5,000 per individual $2,800 per individual
Deductible
$7,000 per family $10,000 per family $5,600 per family
Coinsurance $4,000 per individual $2,200 per individual
Out-of-Pocket Does not include deductible N/A
Maximum $8,000 per family $4,400 per family
Benefit Maximum Unlimited for essential benefits Unlimited for essential benefits
Preventive Care** UCR may apply 100% 50% after deductible 100%
Office Visits***
100% after deductible and after
(Including Mental Health UCR may apply 50% after deductible 80% after deductible
$20 co-pay per visit
and Substance Abuse)
Contract allowable or maximum charge may apply
Hospital Benefits
Semi-private room rate 100% after deductible 50% after deductible 80% after deductible
and Inpatient Surgery
Subject to medical review
Outpatient Surgery Contract allowable or maximum charge may apply 100% after deductible 50% after deductible 100% after deductible
Diagnostic X-ray,
Anesthesiology
and Lab Services
Out-of-Network UCR may apply to out-of-network benefits 100% after deductible 50% after deductible 80% after deductible
Radiology,
Anesthesiology and
Pathology Specialist
Services****
Emergency Services Contract allowable or billed charge may apply 100% after deductible 80% after deductible
Urgent Care Centers Contract allowable or billed charge may apply 100% after deductible 80% after deductible
* All inpatient and certain outpatient services are subject to advance medical review. Refer to the GHP Specifications and Summary Plan Descriptions for additional detail.
** Preventive care includes well-baby/child visits, screenings, immunizations, routine physicals and other age and gender appropriate preventive services.
*** Office visit co-pays on PPO plans do not include chiropractic or physical therapy services.
**** For Preferred HDHP ONLY: Out-of-network radiology, anesthesiology, pathology (RAP) specialist services, hospitalist and neuromonitoring providers are considered in-network when provided at an in-network facility.
Due to the 2022 GHP Choice Guide publication date, certain benefit provisions outlined in the Medical Benefits At-a-Glance table may be subject to change.
TERMS USED IN THIS TABLE:
Maximum Charge: For non-emergency treatment at a hospital, 200% of Medicare allowable rate or 50% of billed charges.
Usual, Customary and Reasonable (UCR): The usual amount paid for a specific health care service or supply. The definition of UCR for non-facility services for out-of-network
non-emergency treatment will be either: (1) the Negotiated Rate; or (2) if there is no Negotiated Rate, 200% of the Medicare allowable rate or if there is no Medicare rate published by
CMS, then the 70th percentile of the applicable rate published in the FAIR Health national database.
Contract Allowable: GHP’s negotiated rate.
The Internal Revenue Service (IRS) sets limits on annual Health Savings Account contributions. The limits for 2022 are $3,650 for individual
coverage and $7,300 for family coverage.
10 2022 GHP CHOICE GUIDEMEDICAL BENEFITS AT-A-GLANCE
HIGH-DEDUCTIBLE HEALTH PLANS
Preferred HDHP
Additional Information
Select HDHP
(Refer to GHP Specifications for Specific Limits)*
In-Network Out-of-Network
NETWORK UnitedHealthcare Choice Plus N/A UnitedHealthcare Choice Plus
Other Major Medical** UCR may apply 100% after deductible 50% after deductible 80% after deductible
Mental Health and
Substance Abuse Contract allowable or maximum charge may apply
Inpatient
Out-of-Network Semi-private room rate 100% after deductible 50% after deductible 80% after deductible
Radiology,
Anesthesiology
and Pathology Subject to medical review
Specialist Services***
Mental Health
UCR, contract allowable or maximum
and Substance 100% after deductible 50% after deductible 80% after deductible
charge may apply
Abuse Outpatient
Maximum $50 payment per visit, 1 visit
Chiropractic**** 100% after deductible 50% after deductible 80% after deductible
per day, 30 visits per calendar year
UCR may apply to out-of-network benefits
Physical Therapy**** 100% after deductible 50% after deductible 80% after deductible
Subject to medical review
Maximum $50 payment per visit, 20 visits
Acupuncture and $1,000 per calendar year; limited to 100% after deductible 50% after deductible 80% after deductible
treatment of an injury or illness covered by GHP
Maximum of 3 hearing aid devices every
100% after deductible, not to exceed a 80% after deductible, not to exceed a
Hearing Aids 4 years, not to exceed total maximum payment
maximum payment of $6,250 maximum payment of $5,000
as described under each medical plan
UCR may apply
Vision Exam
Maximum $100 payment and 1 routine exam per 100% not subject to deductible 80% not subject to deductible
GHP Medical*****
calendar year; the $100 limit does not apply to
anyone under age 19
Vision Exam VSP***** 1 routine exam per calendar year 100% N/A 100%
UCR may apply
Eyeglass Lenses and
100% not subject to deductible, not to 80% not subject to deductible, not to
Frames or Contacts N/A
For eyeglass lenses, the maximum charge exceed a maximum payment of $187.50 exceed a maximum payment of $150.00
GHP Medical*****
does not apply to anyone under age 19
$140 frame allowance plus $0 co-pay $140 frame allowance plus $0 co-pay
for single vision, lined bifocal or for single vision, lined bifocal or
Eyeglass Lenses and
lined trifocal lenses lined trifocal lenses
Frames or Contacts N/A
OR OR
VSP***** $150 allowance for contacts $150 allowance for contacts
and contact lens exam and contact lens exam
Contract allowable or maximum charge may apply
100% after deductible, not to exceed 80% after deductible, not to exceed
Vision Surgery 1 procedure per eye per lifetime, not to a maximum payment of $937.50 a maximum payment of $750.00
exceed total maximum payment as
described under each medical plan
* All inpatient and certain outpatient services are subject to advance medical review. Refer to the GHP Specifications and Summary Plan Descriptions for additional detail.
** Certain limited benefits have specific payment limitations.
*** For Preferred HDHP ONLY: Out-of-network radiology, anesthesiology, pathology (RAP) specialist services, hospitalist and neuromonitoring providers are considered in-network when provided at an
in-network facility.
**** Office visit co-pays on PPO plans do not include chiropractic or physical therapy services.
***** Routine vision benefits are available if the member company has adopted vision coverage.
GROUP HEALTH PROGRAM 11Teladoc – A Virtual Option for Health Care Teladoc® offers access to a more convenient and cost-effective way of receiving non-emergency medical, dermatological and behavioral health care. With Teladoc, GHP medical plan participants have immediate, on-demand access to affordable, quality non-urgent virtual care through a national network of licensed, board-certified U.S.-based doctors, specialists and behavioral health professionals. Care is available by phone or video conference 24/7/365, with appointments typically available in less than an hour. Costs for Teladoc services are typically much less than the cost of an emergency room, urgent care or office visit. Participants are responsible for paying the entire cost of the Teladoc visit at the time of service. Then, if applicable, they will receive the appropriate reimbursement from GHP based on their specific medical plan option. 12 2022 GHP CHOICE GUIDE
Prescription Drug
Members have two prescription drug plan options: Platinum and Gold. You will choose a prescription drug plan for each medical plan
selected. The same prescription drug plan can be offered with each medical plan, or you can mix and match the prescription drug plans
with different medical plans. However, you cannot elect both prescription drug plans with the same medical plan.
Prescription Drug Benefits At-a-Glance
Platinum Rx Plan Gold Rx Plan
Generic: $12 co-pay Generic: 20% (min $12, max $35)
Retail Network Pharmacy Preferred: $35 co-pay Preferred: 30% (min $25, max $75)
(30-day supply) Non-preferred: $60 co-pay Non-preferred: 30% (min $50, max $150)
Smart90 Program or Generic: $25 co-pay Generic: 20% (min $30, max $90)
Mail Order Pharmacy Preferred: $85 co-pay Preferred: 30% (min $65, max $195)
(90-day supply) Non-preferred: $150 co-pay Non-preferred: 30% (min $125, max $375)
Out-of-Pocket Maximum $1,850 per individual / $3,700 per family
• For all GHP HDHPs, prescription drugs (except preventive prescriptions) are subject to the deductible.
• Retail network pharmacy (30-day supply) out-of-network benefits are the same as the co-pays for
the mail order pharmacy.
• The out-of-pocket maximum for prescription drugs is in addition to the medical plan out-of-pocket
maximum and applies to Medicare Part D (see below).
• GHP offers preferred prescription drugs due to their cost and/or effectiveness. Some drugs are
Additional Information excluded from coverage.
• SaveonSP is offered as a specialty pharmacy co-pay assistance program to PPO or Advantage Plan
participants. Participants enrolled in an HDHP or the Employer Group Waiver Plan (EGWP) prescription
drug plan as a Medicare Part D program are not eligible.
• Medication Channel Management is offered to help cover specific specialty drug categories
exclusively under the prescription drug plan benefit.
• Prescribed weight loss medication is included if prior authorization review criteria is met.
Prescription Drug Voluntary Smart90 Program
Participants can choose how they want to receive a 90-day supply of eligible prescription drugs—either through
the Express Scripts mail order pharmacy or at select local retail pharmacies.
Medicare Part D
Medicare provides eligible retirees with a prescription drug benefit—Medicare Part D. Medicare-eligible retirees
(and their Medicare-eligible dependents) will be automatically enrolled in GHP’s Medicare Part D plan, which
offers more comprehensive benefit coverage than the standard Medicare Part D plan. Medicare-eligible retirees
and dependents who enroll in a separate Medicare Part D prescription drug plan will not be eligible for GHP
prescription drug coverage.
GROUP HEALTH PROGRAM 13Dental
Members have a choice of two dental plans: Platinum and Gold. You may offer one or both dental plans. If you elect to offer both plans,
your employees, directors and retirees can elect to participate in either plan.
Dental Benefits At-a-Glance
Platinum Dental Plan Gold Dental Plan
$75 per individual $75 per individual
Deductible
$150 per family $150 per family
$3,000 per individual $1,000 per individual
Maximum Benefit
per calendar year per calendar year
100% of UCR 80% of UCR
Preventive Oral Exam and Prophylaxis
Not subject to the deductible Not subject to the deductible
Basic and Major Procedures 80% of UCR after the deductible 50% of UCR after the deductible
80% of UCR after the deductible
Orthodontic Procedures Maximum lifetime benefit of $1,500 per Not covered
individual (also applies to the calendar
year maximum per individual)
80% of UCR after the deductible 50% of UCR after the deductible
Maximum lifetime benefit of Maximum lifetime benefit of
TMJ $5,000 per individual $5,000 per individual
Not subject to the $3,000 Not subject to the $1,000
calendar year maximum benefit calendar year maximum benefit
Dental Usual, Customary and Reasonable (UCR) is the 80th percentile
Additional Information
of the applicable rate published in the FAIR Health national database.
14 2022 GHP CHOICE GUIDEVision
You have the option to provide vision coverage. If elected, this benefit:
• Will be included in your elected medical plans and cannot be waived by participants.
• Allows participants to select between routine vision benefits under GHP medical coverage or the Vision Service Plan (VSP).
If you do not offer vision coverage, the medical plan will not provide benefits for routine eye exams, eyeglasses and frames or contacts.
See the Medical Benefits At-a-Glance tables beginning on page 6 for more information about vision benefits.
GROUP HEALTH PROGRAM 15Group Life and Accidental Death & Dismemberment
To help provide employees and their families financial security in the event of a serious accident or death, GHP offers several life and
accidental death and dismemberment (AD&D) plan options. Options include basic and supplemental life plans, coverage options for
employees, directors and retirees and various benefit levels.
Employees/Directors Basic Life and AD&D Supplemental Life and AD&D
• Flat amount (e.g., $3,000, $4,000, $5,000, • Voluntary “buy-up” in $10,000 increments
$10,000 and other $10,000 increments) • Maximum coverage amount per employee:
• Multiple of estimated compensation $700,000 (combined with basic life and
(1x, 1.5x, 2x, 2.5x, 3x, 4x) AD&D insurance)
Employee • A combination of both schedules
• Maximum coverage amount per employee:
$700,000 (combined with supplemental
life and AD&D)
• Flat amount ($5,000, $10,000, $15,000) • Not available
Director • Maximum coverage amount: $15,000
Dependents Dependent Life Supplemental Spouse Life
• Flat amount ($1,000, $2,000, $5,000, • Supplemental life only; supplemental AD&D not
$25,000, $50,000) available for spouses
Employee’s Spouse • Maximum coverage amount: $50,000 • Voluntary “buy-up” in $5,000 increments
• Maximum coverage amount for spouse: $100,000
Employee’s Children • 50% of spouse benefit, not to exceed the • Not applicable
(Age 7 days to 26 years) applicable limit
Retired Employees/Directors Retiree Life Additional Information
• Up to 25% of active coverage • One-time election at retirement
• Maximum coverage amount per retiree: • No minimum or maximum age to continue
$100,000 coverage
Retiree
• Additional coverage options may be • Retirees can reduce retiree life coverage annually
available for retirees of newly enrolling • Minimum coverage amount per retiree: $1,000
companies
Additional Information
• NTCA Group Life and AD&D plans are underwritten by ReliaStar Life Insurance Company, a member of the Voya family of
companies. Evidence of insurability for enrollment applications may be required by Voya.
• Plan and coverage options are determined by each member company, and the maximum coverage is based on the elected
coverage schedule.
• Active employees, directors and retained attorneys will have coverage reductions upon attaining certain ages. Refer to the applicable
group life booklet for details.
16 2022 GHP CHOICE GUIDE24-Hour and Hi-Limit Business Travel Accident
GHP provides additional accident plans for member election. You have the option to choose either or both of these accident plans for
your employees and directors and select the level of coverage to offer plan participants.
24-Hour Accident Hi-Limit Business Travel
• Provides coverage 24 hours per day and benefits if an • Provides coverage if an employee or director is accidentally
employee or his/her dependents are accidentally injured or injured or killed while traveling on official company business.
killed, regardless if the accident is job-related. • Coverage can be provided for employees and directors.
• Coverage can be provided for employees and directors. • Coverage schedules available: $50,000 and $100,000.
• Coverage schedules available: $10,000, $20,000, $25,000, NOTE: The $100,000 schedule is only available to the directors,
$50,000 and $100,000. retained attorneys and general managers.
The 24-hour and hi-limit business travel accident plans are underwritten by AIG.
Disability Plans
GHP offers short-term and long-term disability plans to help
protect employees’ financial well-being if an injury or illness
forces them out of work for a period of time.
Short-Term Disability Plan
The short-term disability (STD) plan replaces a portion of the
employee’s income while he/she is disabled on a short-term
basis because of a non-job-related illness, accident or injury.
Benefits begin:
Long-Term Disability Plan
• On the 1st day out of work if the disability is due to an accident.
The long-term disability (LTD) plan replaces a portion of the
• On the 8th day out of work if the disability is due to an illness.
employee’s income while he/she is totally disabled on a long-term
If you choose to offer this coverage, you determine the benefit basis because of an illness, accident or injury. If you choose to offer
payment and length of time benefits will be paid based on the this coverage, you determine the benefit payment/plan and the
following options: benefit waiting period based on the following options:
Benefit Maximum Maximum Benefit Benefit Maximum
Payment Benefit Benefit Payment/Plan Waiting Benefit
Option Period Payment Option Period Payment
YOU CHOOSE: YOU CHOOSE: THE EMPLOYEE YOU CHOOSE: YOU CHOOSE: THE EMPLOYEE
Flat amount 13 weeks RECEIVES: Platinum Plan: 13 weeks RECEIVES:
($40/week Lesser of 70% or 70% of estimated Lesser of 70% or
or or
minimum) 50% of estimated compensation 50% of estimated
26 weeks compensation 26 weeks compensation
or or
or (based on the
A percentage of Gold Plan: benefit payment/
estimated $12,500/month 50% of estimated plan option you
compensation compensation choose)
(70% or 50%)
or
$12,500/month
LTD Plan: Waiver of Contribution Option
If you elect to offer LTD coverage, you also have the option to elect a waiver of contribution feature. This feature provides for NTCA trust-
sponsored payment of costs for the GHP plans and/or the Retirement & Security (R&S) Program on behalf of the totally-disabled employee
while the employee is receiving GHP LTD. You determine which benefit plans (e.g., medical, dental, basic life, AD&D, R&S Program) to
include in the waiver of contribution election. As a result of these additional waiver of contribution options, NTCA LTD coverage can be
extremely valuable to your employees. You may also provide LTD coverage to your employees with no waiver of contribution.
GROUP HEALTH PROGRAM 17Admissions and Enrollment Reminders
NTCA sponsors GHP and the program is designed specifically for employers in the rural broadband and telecommunications industry.
Since GHP is available exclusively to NTCA members, specific enrollment requirements ensure the program remains strong and secure
on behalf of the participating members and individuals covered by these plans.
Company Adoption Requirements
For companies first seeking enrollment in GHP medical, dental, life or disability plans, an application process is required.
You will need to submit:
• Confirmation of active NTCA membership.
• A summary plan description or equivalent benefit summary for your current group coverage.
• Premium billing statements for the most recent 12-month period.
• Aggregate paid or incurred claims for the past two years of coverage from the current insurance carrier.
1
If the current carrier will not release claims experience, the application must include:
– A letter from the carrier indicating claims experience will not be provided.
– A completed Statement of Health Condition (SOHC) Form from all eligible employees, retirees,
directors, retained attorneys, COBRA beneficiaries and their dependents. If current enrollment is not
requested for directors and retained attorneys, an SOHC Form is not required. However, the SOHC
Form will be required for a separate admission review if director and retained attorney coverage is
requested in the future.
To Apply • Census listing all eligible individuals.
• Verification from associate, subsidiary and alliance members that the company meets IRC 501(c)(9)
requirements. Members in these membership categories must receive at least 50% of their revenue
from telecommunications service providers as defined under the North American Industry Classification
System, or be at least 50% owned by GHP participating telco members.
• Completed Ownership Form.
• Completed GHP Adoption Agreement Request Form.
2
After Applying
The application materials will be reviewed, and the group will be deemed qualified current or qualified deferred.
• Qualified current members may adopt coverage on the first of the month following approval.
• Qualified deferred members may adopt coverage 12 months from the original deferral date without
providing additional application documents.
• Associate and alliance members must enroll a minimum of five employees (does not include directors) in
3
GHP coverage.
• If a participant cost-share is required for medical, dental, disability and/or life coverage, a member company
must initially enroll at least 65% of eligible employees in each coverage and must maintain at least 51%
enrollment in each coverage after initial enrollment. If there is no participant cost-share, eligible participants
cannot waive and must enroll in the selected coverage.
• Dental plan coverage is available only if medical plan coverage is also selected when members are seeking
GHP enrollment. If a member company later decides to terminate medical coverage for their group, dental
Other Enrollment coverage may be maintained, but only if the dental experience loss ratio does not exceed an average of
Requirements 90% in the two preceding years.
• Accidental death and dismemberment coverage and/or dependent life coverage enrollment is only available
if group life coverage is selected by the member company.
• Members may not maintain their enrollment in any disability plan if medical coverage is terminated.
NOTE: Admissions requirements are subject to change.
18 2022 GHP CHOICE GUIDEThe GHP Choice Savings Estimator
The GHP Choice Savings Estimator will help you determine the right cost-sharing level for your company. The estimator confirms that all NTCA
GHP medical plan options meet the Patient Protection and Affordable Care Act (PPACA) shared responsibility minimum value requirement.
The estimator is used to:
• Model different cost-sharing scenarios. You will input your lowest-earning, full-time employee’s annual salary to determine the
maximum employee cost-sharing deemed affordable under the PPACA.
• Determine estimated 2022 costs. You can determine a general, safe-harbor rate that ensures affordability is met in the case where
company-specific salary information is entered into the tool.
• Help you communicate the value of GHP Choice and your benefit plan package to your participants.
GHP Choice Participants Participant Cost-Sharing Level
After selecting your GHP Choice plans, you must choose the After you have determined your participant groups, you should
participant groups to whom you will offer a choice of medical determine the participant cost-sharing level for each plan offered.
plans. The participant group options include: You can choose different cost-sharing levels for each participant
group (employees, directors and retirees). Your company may also
• Employees
consider a different cost-sharing level for employees participating
• Employees and directors in the GHP Wellness Connections plan as an additional way to
• Employees, directors and retirees support wellness initiatives at your company.
• Employees and retirees* In 2022, employers with 50 or more full-time equivalent
* This option is available if you do not offer medical coverage to directors. If directors
employees must provide affordable coverage as defined
are offered GHP medical coverage, you cannot elect to offer a choice of medical under the Patient Protection and Affordable Care Act
plans to employees and retirees, and only offer a single medical plan to directors. (PPACA) or be subject to a penalty. The 2022 GHP Choice
The same plan options must be offered to each participant group. For example,
if you offer GHP Choice to both employees and retirees, you cannot select two Savings Estimator can assist in determining affordable coverage
medical plans for employees and two different medical plans for retirees. However, for specific participant cost-sharing levels.
you can set different cost-shares for the two groups.
NOTE: If you offer a plan without cost-sharing, GHP will not allow
Continuation of Coverage employees to waive that coverage. Cost-sharing levels for employees
are subject to IRS nondiscrimination testing. This testing service is
Medical, dental and life coverage may be continued for retirees
provided annually at no cost to members and is completed when
and for their dependents covered in the medical and dental plans,
participant enrollment materials are received by NTCA.
provided the member company offers GHP coverage. GHP also
allows COBRA extension of coverage, and provides COBRA
recordkeeping and administrative services for participating member Employer Mandate Reporting Requirements
companies. Specific requirements for eligibility of these continuation All employers subject to the employer mandate are required to file
coverages are described in the NTCA GHP Specifications. annual reports to the IRS on the coverage offered to their full-time
employees and their dependents. NTCA will file and distribute IRS
Form 1095-B—Health Coverage for participating members. Visit
www.ntca.org/benefits for updates.
GROUP HEALTH PROGRAM 19What’s Next?
For Members: 2022 Rates and Instructions—The 2022 medical and dental plan rates and instructions
will be available. Members will receive an email with the GHP Choice Addendum Request Form,
Key Dates and Resources for Navigating Open Enrollment. The GHP Choice Savings Estimator will
September 2021 be available upon request by contacting the Benefits Resource Unit at (828) 281-9000 or via email to
benefitsresource@ntca.org.
For Members: GHP Choice Enrollment Begins Early September.
For Participants: GHP Choice Annual Enrollment Begins in Mid-October. Members should distribute
the Summary of Benefits and Coverage notices to participants.
For Members: GHP Choice Addendum Request Form Submitted—For members participating in GHP
Choice, the 2022 Addendum Request Form must be submitted to NTCA at our Asheville, N.C., office.
October 2021
For Members: Signed GHP Choice Addendum Submitted—If you offer GHP Choice beginning in
2022, or you are making a change to the plans previously offered, a GHP Choice Addendum will be sent
to you, and must be signed and returned to NTCA at our Asheville, N.C., office by October 20. If you do
not submit the addendum, your company will keep your current choice of plans for 2022.
For Participants: GHP Choice Annual Enrollment Ends.
November 2021 For Members: Completed GHP Wellness Connections Addendum—If you decide to newly offer GHP
Wellness Connections for 2022, a completed GHP Wellness Connections Addendum must be submitted
to NTCA at our Asheville, N.C., office by November 30.
December 2021 For Members and Participants: Summary Plan Descriptions and 2022 GHP ID Cards are Released.
January 2022 For Members and Participants: New Benefit Plan Year Begins.
NTCA Member Relations Managers
Patsy Robertson l Jeff Yarbrough l Jennifer Benson l Jane Wigen l Melanie Jore l Dennis Renowski l Sheryl Vogle l Sally Wlasuk | Marlene Sanders
Questions?
Contact your NTCA member relations manager using the
information found at www.ntca.org/MemberRelations,
or email ghpchoice@ntca.org. NTCA benefits resource
specialists are also available at (828) 281-9000.You can also read
